CHECKING & ACCOUNT MANAGEMENT
Federally insured by NCUA. Membership required. Insurance products are not a deposit; not NCUA insured; not an
obligation of credit union; and not guaranteed by credit union or any afliated entity. 1: Surcharge-free ATMs are available
through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to nd one near you. 2: Registration
and activation required. 3: Refer to Guide To Benets for complete details of coverage. 4: Insurance products are not a
deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any afliated entity.
Plateau Insurance Company of Crossville, TN. will be the Accidental Death & Dismemberment Insurance underwriter. 5: You
will have access to your credit report and score provided your information has been veried by the CRA. Credit score is a
VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your
creditworthiness.6: This information is not legal advice and should not be construed as such. We recommend you consult
with an independent tax/legal advisor or, where appropriate, contact your local probate court where the property is located
for information on the probate process.7: Electronic deposits are available up to two business days early depending on
timing of receipt into our Automatic Clearing House (ACH) database. Member must be enrolled in direct deposit through
their employer. Excludes International deposits. †-This is NOT insurance.
Minimum opening deposit – $25
No minimum balance requirement
Unlimited check writing
Over 80,000 surcharge-free ATMs
1
DEBIT MASTERCARD
Our chip-enabled debit card gives you 24/7
access to the funds in your checking account.
Our Secure Checking accounts provide
peace of mind and come loaded with perks...
SECURE CHECKING also includes…
Total Identity Monitoring
2
Buyers Protection & Extended Warranty
3
Mobile Phone Protection
3
$hopping Rewards
2
Unlimited Access to Credit Report/Score
2,5
Same Day, Instant Issue Debit Card
Card Controls
SECURE CHECKING PLUS also includes…
Cash Back Member Rewards
2
Health Discount Savings
2
†
Travel & Entertainment Discounts
2
AD&D Insurance
3,4
Will & Estate Planning Services
6
Set up direct deposit into your CUTX
checking account and get your money up to
two days before your normal payday
7
.
EARLY PAY
LOANS & CREDIT CARDS
Purchase a home
Home Equity Loans
Renance your current home
MORTGAGE LOANS
4
At CUTX, we make the home loan process
hassle-free. Our dedicated mortgage team
will nd the best mortgage loan for you
and have you ready to move in no time.
1: Terms and conditions may apply. Membership and enrollment into Online Banking is required. Must be a member of
Credit Union of Texas for a minimum of 3 months and in good standing. Applications must be submitted through Online
Banking. Only one On the Spot Loan can be open at one time. Message and data rates apply. 2: Some restrictions apply.
Cannot be combined with other discounts. 3: Credit Climber is a service of Credit Mountain, Inc. Neither Credit Mountain
nor Credit Union of Texas can guarantee that your credit score will improve or that you will be approved for credit products
in the future. 4: All loans and rates are subject to credit approval and CUTX lending policies. CUTX home loan programs
are only available in Texas. Additional terms and conditions apply. Prequalication is not a commitment to lend.
Membership required. Equal Housing Opportunity | NMLS #576560 Credit Union of Texas provides mortgage loans through
its afliate Texas Mortgage Lending, LLC, NMLS #1641703.
CUTX offers competitive loan products to t
every budget. We offer:
New and Used Auto Loans
Mortgage and Home Equity Loans
“On the Spot”
1
and other Personal Loans
Discounts Available (with auto payment)
2
CUTX CREDIT CLIMBER
3
This program is designed to help members with
no credit history or past credit issues build
or re-build their credit. Our unique approach
includes a virtual credit counselor that helps our
members improve their credit and reach their goals.
Contact our home team at 972-705-4845 or
800-314-3828 or start the pre-qualication
process at CUTX.org/Loans.
CREDIT CARDS
The Platinum Mastercard comes with competitive
rates, no annual fees, no balance transfer fees,
and additional benets like Mastercard ID Theft
Protection, Lost Wallet Assistance, Card Controls,
Buy Now Pay Later, and much more.
SAVINGS & INVESTMENTS
SHARE SAVINGS
This is the account that opens your membership!
A one-time membership fee of $20, plus a $5 initial deposit
establishes your SHARE in CUTX.
CERTIFICATES OF DEPOSIT
Lock in a competitive interest rate for as little as 6 months, or
up to 60 months. Minimum opening balance is $1,000.
Federally insured by NCUA. Membership required. 1:You will be eligible for a one-time match bonus in the amount of $120
on the rst $240 in debit card roundups made to your Save The Change savings account each calendar year dened as
January 1 through December 31. To qualify for the one-time match bonus: 1) You must be enrolled in Save the Change, 2)
Cumulative roundup transfers of $240 must be made to your Save The Change savings account, and, 3) All accounts and loans
must be in good standing to receive the one-time match bonus not to exceed $120 per calendar year. Save the Change offers
a 0.50% Annual Percentage Yield (APY). The APY is accurate as of October 1, 2023, and is subject to change. The bonus
match will be credited to your Save The Change savings account the following business day after eligibility. If the account is
closed or unenrolled from the program before the match is posted, matching bonus will be forfeited. Matching funds may be
reported on IRS form 1099.
HOLIDAY SAVINGS
Prepare for the holidays and check everyone off your list
with this savings account. Withdrawals can be made
November 1 through January 31 at no fee.
MONEY MARKET ACCOUNTS
The grown-up savings account. Offers liquidity, a higher
yield and up to six transfers per month.
SAVE THE CHANGE
CUTX can help you save more with Save the Change
Matching. Each purchase rounds to the next dollar and the
extra money goes into your own special savings account.
Round up your savings to $240
1
and we’ll give you $120!
KIDS SAVINGS
You're never too young to start planning and saving for
tomorrow. Help a child in your life build a bright nancial
future by opening a kids savings.
Kids Accounts
Holiday Savings
Certicates of Deposit
Money Market Accounts
Individual Retirement
Accounts
AUTO SOLUTIONS
AUTO PROTECTION PROGRAM
1
We’ve got you covered with Guaranteed Asset Protection
(GAP), vehicle service contracts, and insurance products
available to protect you after your purchase.
GOFAIR AUTO SOLUTIONS
If you need to sell your car fast, we can move quickly through
getting you a quote, nalizing an agreement, picking up the vehicle
and getting you paid in full. Visit GoFairAuto.org to learn more.
AUTO LEASING
You can reduce your monthly payment up to 50%
when you lease with FairLease, a CUTX auto solution.
Visit FairLease.org or call 1-800-NEW-LEASE.
NEW & USED AUTO LOANS
Our great rates, exible terms, and convenient process
make CUTX the perfect place to nance your next vehicle.
AUTO REFINANCE
If you nanced your vehicle through a dealership and you’re stuck
with a rate you don't like, let CUTX see if we can save you money.
We often uncover fees or charges for items our members didn’t
even know they purchased. And, we can do it in just minutes.
Competitive rates on new and used vehicles
Flexible terms
Auto pay from your CUTX account or other account
Getting pre-approved is easy, and it gives you buying power
when you head to the dealership. Apply online, by phone
at 972-705-4802, or visit a CUTX branch to get started!
All loans and leases are subject to credit approval. Some restrictions apply. Savings are estimates, actual savings may vary.
Membership required. This is not a commitment to lend or lease. FairLease and GoFair are wholly owned subsidiaries of Credit
Union of Texas. 1: Auto Protection Program offered through our third-party afliate. Additional terms and conditions may
apply. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed
by the credit union or any credit union afliate.
DIGITAL SOLUTIONS
ONLINE BANKING
1
Manage your money from your laptop or mobile device, so you always
have easy access to your accounts at anytime, anywhere you go.
SECURITY
Once you enroll, you can take advantage of all our security features.
You'll be protected whenever and wherever you access your CUTX
accounts and when we see a transaction that seems odd,
we'll block it and text you
6
.
Download the app and put the control in your hands.
Federally insured by NCUA. Membership required. 1: Message and data rates may apply. 2: Preapproval is not a commitment
to lend. 3: Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled
with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S.
mobile number, the mobile number must already be enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by
Early Warning Services, LLC and are used herein under license. Landline numbers, Google Voice™ numbers, and Voice over
Internet Protocol (VoIP) numbers may not be used to enroll in Zelle. 4: When you place a lock on your debit card via Mobile
Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. However,
the lock may not stop card transactions presented as a new recurring transaction by the merchant or the posting of refunds,
reversals or credit adjustments to your account. Additionally, transactions and authorizations that occurred prior to locking the
card will not be affected. During card processor limited down time, purchases may be approved due to the lock restriction not
being enforced by the stand in processor. This feature is available on the Mobile Banking app for iPad, iPhone and Android
devices. Data connection required. Locking your card is not a replacement for reporting your card lost or stolen. Contact us
immediately at 1-800-314-3828 if you believe that unauthorized transactions have been made. Alerts may be sent to you in the
form of an e-mail or text message. Your mobile carrier’s standard text-messaging and data rates will apply. 5: The credit score
provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money
with Credit Union of Texas loan products. The credit score found in the credit report may be different than the credit score you see
here. 6: For credit/debit card fraud only.
We will never ask for your username and/or passwords.
If anyone does, you should hang up immediately and call
Member Services. 972-263-9497 or 1-800-314-3828
Zelle
®
Money Transfer
3
Personalized Dashboards
Budgeting Tool with Purchase Tracking
Lock or Unlock Your Card
4
Report Your Card Lost or Stolen
Set Travel Notications
Set Spending Controls
Credit Score Monitoring & Simulator
5
Remote Deposit
Personalized Offers
Preapproved Loans
2
Account Management
See Transactions & Alerts
Simple Interface
Regular Updates
24/7 Support
Bill Pay
eStatements
ZOGO
1
, FINANCIAL EDUCATION ON THE GO!
Level up and earn while you learn! CUTX is excited to announce our
brand new partnership with Zogo, a gamied nancial literacy app that
rewards you for learning with gift cards to your favorites shops!
T Downloa
Sca M
BUSINESS SERVICES
BUSINESS BANKING
CUTX has multiple options to meet the needs of your business with
Business Checking and Business Checking Plus.
No monthly service fee if you maintain a $10,000 monthly average balance
1
Merchant Services available
2
Digital invoicing and online payment integration available
2
Includes Business Sense Benets Package
3
for your business and employees!
CUTX Business Checking Plus
Data Breach Solutions for business
Cellular Telephone Protection
Identity Theft Expense Reimbursement Coverage
Business Benets
Shopping Rewards
Prescription Drug Benet
Employee Benets
MERCHANT SERVICES
Credit Union of Texas offers our business members state-of-the-art
merchant services
3
and access to technology solutions for small business-
es. Take your business to the next level with simple and secure credit card
processing and merchant services. All we need is some basic information
about you and your business, and we can help.
BUSINESS & COMMERCIAL LOANS
We can help your business grow with multiple loan options!
Membership required. Federally insured by NCUA. 1: CUTX Business Checking Plus Monthly Service Fee $15. 2: Merchant Services
is provided by FISERV and is a fee-based service. 3: Please refer to the Business Sense brochure for benet details.
Eligibility: Benets are available to business account holders and their employees
and are subject to the terms and conditions for the applicable Benets. Some
Benets may require authentication, registration and/or activation.
Call Us Today.
Contact our East Texas team at 972-705-4980
or our DFW team at 972-705-4982.
Vision Benets
Dental Benets
Complete a membership app and
take it to a CUTX branch near you
Apply online at CUTX.org/Join
Find a CUTX branch near you
at CUTX.org/Locations
Online Banking at CUTX.org
ATMs & ITMs
1
Mobile Banking
*
Social Media
HOW TO JOIN
Simply complete a membership application (online or at a branch)
and open a savings account with $25 or more.
CUTX IS VIRTUALLY EVERYWHERE!
We strive to make banking with us easy and convenient.
That means giving you options!
Federally insured by NCUA. Membership required. 1: Interactive teller machine 2: Message and data rates may apply.
Debit Alerts
2
Direct Deposit
Appointment Setting
Online Chat
ABOUT US
ABOUT CUTX
In 1931, a small group of Dallas teachers applied for a credit union
charter. In the beginning, CUTX's assets totaled only $65. Today,
CUTX is one of the state's largest credit unions serving more
than150,000 members. Our values aren't in prots; they're in
people. We exist solely to serve our members and communities, with
no stockholders to enrich. Through the use of volunteer boards and
member ownership, we’re able to provide all the banking services
and conveniences for everyday life—savings, checking, loans,
surcharge-free ATMs, online and mobile
1
banking— all with some of
the most competitive rates around.
WE HAVE MORE
Here are just a few of the extra perks that we offer…
Strong Tradition
We’ve got nearly 100 years under our belt working for you. And
just like our members since 1931, you still own the place!
Our Rates Don’t Play
CUTX offers some of the most competitive rates on deposits and
loans.
Focus on Community
We donate our time, money, and resources to local charities. Our
areas of passion include:
Education
First Responders
Veterans
Local Non-Prots
Community & Civic Groups
WHAT’S IN IT FOR YOU
Member Scholarships
Pay for Grades Contest
Tax Prep Savings
Auto Pay Loan Discounts
Checking Discounts for Veterans
Military/Educator Loan Discounts
Prescription Discounts
2
...and more!
1: Message and data rates may apply. 2: Registration/activation required. This is NOT insurance.
BRANCHES
Equal Housing Opportunity | Federally insured by NCUA | Membership required
Credit Union of Texas, Experience More, and our logo are Reg. U.S. Pat. & TM Off
Allen: 900 W Bethany Drive, Suite 100
Allen 75013
Berkner SMART Branch:
1600 E. Spring Valley Road
Richardson 75081
Castle Hills:
6201 N. Josey Lane, Suite 214
Lewisville 75056
Dallas (High Five):
8131 LBJ Freeway, Suite 107
Dallas 75251
Dallas (Hampton):
4
180 South Hampton Road
Dallas 75224
Dallas (Ross Avenue):
3305 Ross Avenue
Dallas 75204
DeSoto:
2828 Prince George Avenue
DeSoto 75115
District 121:
6701 Alma Road, Suite 150
McKinney 75070
Frisco: 4770 Eldorado Parkway, Suite 300
Frisco 75034
Gilmer: 755 US Hwy 271 N
Gilmer 75644
Little Elm SMART Branch:
1900 Walker Lane
Little Elm 75068
McKinney:
2651 Ridge Road, Suite 101
McKinney 75070
Mesquite:
1020 Gross Road
Mesquite 75149
Rockwall:
2
914 Ridge Road
Rockwall 75032
Town Square: 107 E. Marshall St
Gilmer 75645
Valley Ranch:
6911
N MacArthur Blvd.
Irving 75039
Wylie
: 2580 W FM 544
Wylie 75098
Coming Soon: Garland, Paris, and Lindale
Member Services: 972-263-9497 or
1-
800-314-3828
Mortgage Loans: 972-705-4845
Auto Loans: 972-705-4802
FairLease: 1-800-NEW-LEASE
GoFair Auto Solutions: 972-705-4899
CUTX.org
